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Close up of credit card transaction taking place at a cash register.

What is Embedded Insurance?

EMBEDDED INSURANCE. WHAT IS IT? There is nothing new about the concept of embedding a feature, benefit, or product into the sale/purchase of another product or service. One of the simplest examples is earning “points” through your credit card, as a purchasing tool. The ‘point’ structure and system is a membership plan that you can...
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Workers remove crashed windshield of a car in auto oudoors service

When is it OK to Not File an Insurance Claim

To Claim or Not to Claim??? The world of insurance can be financially life-saving depending on the outcome of a situation. It could also seem cruel if you don’t understand how the business of insurance works.   Daily, we are tasked with explaining to our amazing clients that it is in their best interests to carry...
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Tools and toolbox lying on flood damaged floor

Water Damage in the Home… What is covered?

What kinds of water damage are covered by my homeowner’s insurance policy?  Water damage that is considered “sudden and accidental” is usually covered (like a burst pipe). What is not covered is gradual damage. For instance, gradual water damage is not covered by a leaking bathroom sink that rotted out your subfloor. Another category that...
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adult man and female car dealer with clipboard standing at showroom

Embedded Insurance. Now there’s a term for it.

Have you heard the term embedded insurance yet? As the world continuously evolves at a rapid pace, the realm of transactions becomes increasingly more efficient. Think about how far touchless transactions have come in just one year! QR Codes, Apple Pay, Google Wallet, Venmo, just to name a few. Ever wonder why insurance isn’t more...
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Elderly retired couple reading their social media

Mortgage Insurance…the policy you hope you never use.

Home purchases require so many things to consider. It is easy to get lost in the fray. One thing that often gets overlooked is mortgage insurance (a.k.a. life insurance). The average person’s debt when buying a home is typically the largest of their lifetime, yet few consider that debt to be a determinate of how...
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Dream Cabin

The Dream Cabin that Became a Nightmare

One of the most significant shifts in our culture through this pandemic has been the realization that people can work effectively from remote locations. This shift has caused a spike in migration out of the big cities and into the country. Homeownership of these newly sought-after ‘Shangri las’ come with special considerations that city dwellings...
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